That Bank of America somehow got this couple into the foreclosure process is depressing (normally, I would say shocking, but quite frankly, with all the news coverage over the past year about mistaken foreclosures, I’m not really shocked anymore).

How can we have any faith that the banks are getting it right when they are foreclosing on people without a mortgage? The answer is: We can’t. And that’s the attitude that judges should have when viewing homeowner’s challenges to foreclosures. Although the majority of foreclosures may be justified, it’s important not to assume that a foreclosure is OK, just because the bank says it is.